White Oak, Georgia.
Typical home $247,521 (+5.8% in a year). St. Marys, GA metro.
to buy the typical home at today's mortgage rate — +$784 (+152%) since Jan 2020.
- 1 year
- Up $13,594 +6%
- $233,927$247,521 since Sep 2025
- 5 years
- Up $60,644 +32%
- $186,877$247,521 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- White Oak$1,299
- Georgia$1,727
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in White Oak, GA rose 5.8% over the past year — faster than the nation's +1.2%.
Living in White Oak, Camden County, Georgia
The Census does not count White Oak on its own, so the figures here are Camden County's. Half the county's households earn more than $74,378 a year and half less; 13% of the county's people live below the poverty line. 68% of the county's homes are lived in by their owners and 32% are rented. Unemployment in Camden County was 3.3% in August 2026, and the county had 2.5% more jobs in 2025 than the year before. The most people in Camden County work in schools and health care, then shops.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. White Oak is a town in Camden County on the coast of southeastern Georgia. Winters are mild, with little or no snow, and summers are hot. Rain falls often across the year, so the land stays green and damp for much of it. Most homes are lived in by their owners, which gives the area a settled, home-based feel.
Work. Many residents work in schools, hospitals and social care, in shops, in government, and in restaurants, hotels and entertainment. Jobs in Camden County grew over the past year, and unemployment has eased slightly. Working from home is less common than going out to a workplace each day.
Things to do. Jekyll Island, a protected area, is a longer drive away and is one of the best known places to visit nearby. Cumberland Island National Seashore, also a protected area, lies a longer drive away and offers a quieter stretch of coast. Fort Frederica National Monument, another protected area a longer drive away, preserves a historic site from the colonial period.
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- 21,693households
- 34.7median age
- 25%of adults have a degree
- 13%below the poverty line
- 28 mintypical commute
- 11%work from home
What people in Camden County work in
Employed residents by industry, from the Census survey. Camden County had 16,280 jobs in 2025, 2.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 63° and lows near 38°; warmest in July, with highs near 91° and lows near 71°. About 55 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Woodbine weather station, 8 miles away (NOAA).
Largest workplaces in Camden County
- Camden County SchoolsSchool district1,321FTE
- Lockheed Martin Corporation Kings Bay Campus (1559)545
- WalmartWarehouse clubs and supercenters397
- Sghs - Camden CampusGeneral hospital265FTE
- Navy BOS 2 - Kings BayBase facilities operation support services245
- Publix Super MarketsSupermarkets and other grocery stores194
- General DynamicsSubmarine building193
- Lowe's Companies, INCHomecenter152
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 26 workplaces with 20 or more staff, 2,761 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HurricanesRelatively moderate
- Coastal floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Camden County, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Camden County and the St. Marys, GA metro.
White Oak home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- White Oak$247,521
- Georgia$329,115
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- White Oak11
Zip codes with a White Oak address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls White Oak — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.